1182.SR
Bargain BinAmlak International Finance Company · Financial Services · Saudi Arabia · $215M cap · $959K/day traded
SAR 7.90 +1.0% · close 5 Nov · scored 7 Nov
Bargain Bin: Looks like a bargain; the quality and the trend say why it is in the bin.
As of 7 Nov 2026, the MoatMap Score for Amlak International Finance Company (1182.SR) is 37/100, ranked against 25,000+ stocks in 38 markets (Quality 50, Value 51, Momentum 28, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT AMLAK INTERNATIONAL FINANCE COMPANY
Read
Amlak International Finance Company, together with its subsidiary, Amlak International For Real Estate Development Company, operates as a real estate finance company in Saudi Arabia. The company operates through the Retail and Corporate segments.
FINANCIAL SUMMARY (SAR)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 224.3M | 180.8M | 244.5M | 343.6M | 15.3% | 319.4M |
| EPS (SAR) | 0.95 | 0.31 | 0.45 | 0.64 | -12.4% | 0.75 |
| Shares | 101.9M | 101.9M | 101.9M | 101.9M | 0.0% | 101.9M |
| Debt | 1.8B | 2.6B | 3.2B | 3.1B | 19.9% | 3.6B |
| Equity | 1.2B | 1.2B | 1.2B | 1.3B | 1.2% | — |
| Op CF | 250.3M | -392.8M | -539.7M | 175.2M | -11.2% | -63.6M |
| Inv CF | 4.7M | -11.9M | -26.2M | -23.7M | — | — |
| Fin CF | -225.7M | 394.2M | 570.6M | -137.9M | — | — |
Made a new 52-week low 9 trading days ago, 37% below its 52-week high. The fall has not stopped yet.
Calmer than 84% of stocks we rank over the past year (volatility 25% a year).
How this is worked out
The MoatMap Score weighs the business, its price and its trend. The price check reads only the chart: the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of 1182.SR are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| 1182.SR | Amlak International Finance Company(you) | $215M | 37 |
| 1183.SR | SHL Finance Company | $311M | 23 |
| 8120.SR | Gulf Union Alahlia Cooperative Insurance Company | $151M | 36 |
| 8070.SR | Arabian Shield Cooperative Insurance Company | $232M | 46 |
| 4081.SR | Nayifat Finance Company | $264M | 27 |
| 8020.SR | Malath Cooperative Insurance Company | $117M | 35 |
| 8060.SR | Walaa Cooperative Insurance Company | $365M | 47 |
| 8040.SR | Mutakamela Insurance Company | $140M | 23 |
| 8012.SR | Aljazira Takaful Taawuni Company | $152M | 22 |
| 4083.SR | United International Holding Company | $385M | 26 |
Peer medians: ROE 7.6% · P/E 13.7x · Gross margin 12.1%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.